Resumo

CASTELLANOS, Sara G.; GARRIDO, Daniel  e  MENDOZA, Alberto. La importancia de la ley para la transparencia y ordenamiento de los servicios financieros para propiciar el uso de sistemas y medios de pago eficientes en México. El trimestre econ [online]. 2008, vol.75, n.297, pp.224-251.  Epub 20-Nov-2020. ISSN 2448-718X.

In Mexico, during 2004, came into effect the Law to Promote Transparent Financial Services. We describe the most salient dispositions of this law and the key measures that the central bank of Mexico has implemented, as well as the usage patterns of checks, electronic funds transfers and payments with bank cards at points of sales before and after 2004. The data show a higher tendency towards using electronic payments and a lower real income for banks from electronic payments and bank cards provision, which coincide with the kind of measures enhanced by this type of regulation. However, we identify other elements that may have an influence over these patterns. We also describe the main changes of the new Law that substituted the 2004 one on June 2007.

Palavras-chave : cheques; transferencias electrónicas de fondos; tarjetas de crédito; tarjetas de débito.

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